Thinking of a moving or remortgaging?

The best 2, 3 and 5 year fixed deals available – October 2012
Fixed rates have seen a downward trend recently so we thought we would take this opportunity of providing you with the latest, and in our eyes, the best value fixed deals that are currently available. Tracker & Variable rates are also available and if you would like a comparison of fixed rates Vs tracker rates we can provide this type of mortgage summary for you – Just let us know and we can e mail this over to you. Whenever we provide this type of ‘best value deal’ we always look at the overall cost of the mortgage taking into account the mortgage fees involved such as the valuation fee, booking fee, lender arrangement fee and any solicitor fees PLUS we look at the interest rate over the fixed rate period as some mortgage lenders will offer you a low interest rate with high fees, others will offer you minimal fees with a higher interest rate. In summary, we work out the best value deal for you talking all of the above factors into account. The following figures are based on a remortgage of £120,000 on a property value worth £200,000 on a 25 year repayment mortgage assuming a good credit score and income being sufficient.

2 Year Fixed Rate
2 year fixed rate of 2.69%
The above rate reverts to the lenders SVR, currently 3.89%.
£550 per month over 25 years
FREE Lender booking fee
FREE Lender valuation fee
£499 Lender arrangement fee – can be added to the mortgage
FREE legal work
3 Year Fixed Rate
3 year fixed rate of 3.09%
The above rate reverts to the lenders SVR, currently 4.95%.
£575 per month over 25 years
FREE Lender booking fee
FREE Lender valuation fee
£999 Lender arrangement fee – can be added to the mortgage
FREE legal work
4 Year Fixed Rate
4 year fixed rates are hard to come by and the rates seem out of line with 3 and 5 year fixed rates, with rates being offered just shy of 6% with only one lender currently offering this type of deal. If you specifically require a 4 year fixed please do call us to discuss the options.

5 Year Fixed Rate
5 year fixed rate of 3.69%
The above rate reverts to the lenders SVR, currently 4.00%.
£613 per month over 25 years
FREE Lender booking fee
FREE Lender valuation fee
FREE Lender arrangement fee
FREE legal work
£250 cash back upon completion
Don’t hesitate to contact one of our dedicated consultants today, we’re here to help whatever your circumstances. Fill in our online mortgage enquiry form today and we will be in contact with you.